FAQs and How-Tos
  Clicking on the following questions will provide you with a specific answer or link you directly with the section of this site that addresses that question. If, after reviewing this information, you still have questions please contact us at A&I
 
  Frequently Asked Questions
 
FAQs
What options do I have for medical coverage?
What doctors are covered by the medical plans?
Are my dependents covered under my plan?
When will I become eligible for coverage?
What is a reserve account and what's in mine? How much can I accumulate in my reserve account?
How long will my coverage last if I get laid off?
Where can I get my prescription, and how much do I pay?
Have my doctor bills been paid?
How do I file a claim?
How do I get a replacement ID card?
If I quit working or I am terminated, can I get the money in my supplemental or reserve account?
Is my doctor under the PPO?
How do I get a PPO provider for dental or vision?
Can I cover my significant other if we are not married?
What happens if my claim on the Trust Plan is denied or not paid as I believe it should be?
What should I do in the case of a life changing event such as marriage, birth of a child, divorce, death, etc.?
 
  What doctors are covered by the medical plans?
 

The doctors covered depend on the plan you select.  If you enroll in  Kaiser,  Group Health or HMSA, you are assigned a primary care physician when you enroll.  Your primary care physician will refer you to authorized specialists.

If you select the Trust Medical plan you are free to see any licensed provider however, the plan provides much higher benefits for those on the PPO plan when you see a provider in the Regence Blue Card network

 
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  Are my dependents covered under my plan?
 

Active employees have family coverage at no additional cost.  A covered dependent is outlined below: 

  1. The lawful spouse of the employee. Your spouse is not eligible if you are legally separated.  In the event of the employee’s death, the surviving spouse is eligible so long as they are not re-married.

  2. Unmarried children under age 19 who depend on you for support and who are:
    1. A natural child of either or both you or your spouse;
    2. A legally adopted child of either or both you or your spouse; or
    3. The unborn child of a deceased employee or retired employee.
    4. A child "placed" with the employee for the purpose of legal adoption in accordance with state law.  "Placed" for adoption means assumption and retention by the employee of a legal obligation for primary support of a child in anticipation of adoption of such child. However, if adoption is not finalized, the Trust reserves the right to request a refund of benefits already paid for said child.
  3. Unmarried children who continue to depend on you for support can continue coverage after they reach age 19 if:
    1. The child is enrolled in a recognized educational institution as a full time student (12 credit hours or equivalent, not less than 8 months of the year) and who has not attained the age of 26.
    2. The dependent child cannot support him or herself because of a developmental or physical disability so long as all the following are met:
      • The child became disabled before reaching the limiting age; and
      • The child is incapable of self-sustaining employment by reason of developmental disability or physical handicap; and
      • Within 31 days of the child reaching the limiting age, the employee furnishes proof of disability to the Trust Office. The Trust Office must approve the request for coverage to continue; and
      • At least once a year, and after the two year period following the child’s attainment of the limiting age, the employee provides the Trust Office with proof of the disability.

  4. An employee’s unmarried grandchild who:
    1. Meets the definition of a dependent child; and
    2. For whom the employee is providing the major amount of support; and
    3. For whom the employee has been named as legal guardian by a court of competent jurisdiction; and
    4. Is in the physical custody of the employee.
Dependent eligibility for HMO plans may vary, see the appropriate HMO Plan's benefit booklet.
 
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  What is a reserve account and what's in mine? How much can I accumulate in my reserve account?
 

All employer contributions for work you have performed are credited (in dollars) to your reserve account. This is a continuing process. There is no limit to the amount you can maintain in your Individual Reserve Account. Your reserve account allows you to maintain eligibility through continued contributions adequate to fund your selected plan.  You may call the Plan Administrator to determine the dollars in your reserve account.

There is no limit to how much you may accumulate in your reserve account.

 
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  How long will my coverage last if I get laid off?
  It depends upon how much money is in your reserve and supplemental accounts.  As long is there is adequate dollars in your reserve and supplemental accounts, you will continue to have coverage.  At that point that you do not have enough money in these accounts to grant a month of coverage, you will be mailed a COBRA notice.
 
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  Have my doctor bills been paid?
 

If you are enrolled in the Trust Medical plan, your doctor bills are paid by Regence Blue Cross Blue Shield of Oregon.  Medical claim information is accessible online at www.myregence.com.

If you are enrolled in Kaiser, Group Health, or  HMSA, your bills will be paid by those plans.  You may contact them at the numbers and addresses listed in our Contacts page on this site.

 
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  How do I file a claim?
 

When you receive care, your doctor's office usually takes care of filing your claim.  However, to ensure your claim is sent to the proper address you must show your doctor's receptionist or billing department your ID card.   It is important that you ask that they update their computer records with the claim address information shown on the card.

If you are covered under the Trust Medical Plan and seek services from a PPO Provider, your provider will file the claim.  If you seek services from a non-PPO Provider, and need to file a claim, you may print a claim form, and send it to:

Regence Blue Cross Blue Shield
Claims Department
PO Box 30805
Salt Lake City, UT 30805

 
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  How do I get a replacement ID card?
 

If you are covered under the Trust Plan, contact Regence at 1-800-777-3168 for Medical/Rx ID Cards. Contact us at A&I for dental/vision ID cards.

If you are enrolled in Kaiser, Group Health, or HMSA, you may obtain ID cards directly from the carrier.  You may contact them at the numbers and addresses listed in our contacts page on this site.

 
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  If I quit working or I am terminated, can I get the money in my supplemental or reserve account?
  No, the reserve account funds will be used to grant you coverage.  The supplemental funds will be used to reimburse for out of pocket expenses or to grant you coverage.
 
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  Is my doctor under the PPO?
  Please contact Regence Blue Card network by calling their toll free phone number 1-800-777-3168 or visit the Regence web site.  Enter the alpha prefix  "INZ".  You can print out a personal directory from the web site.  Please be sure to verify with the provider that the provider or facility is currently a preferred provider.
 
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  How do I get a PPO provider for dental or vision?
  If you are on the Trust plan you have the freedom of choice for dental or vision providers.  The PPO network is for medical and pharmacy only.  It is up to the dental or vision provider whether they bill insurance or will require payment at the time of services and you must bill their own insurance. 
 
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  Can I cover my significant other if we are not married?
  Yes. You may apply for coverage for your domestic partner of the same or different gender.  You and your domestic partner must submit an affidavit and declaration that is signed and notarized.  There is a monthly cost that will be deducted as an autopay from your checking or savings account.  At the end of each year you will receive a W-2 with amounts to be claimed on your income taxes, as earnings.  For more information see the domestic partner web page.
 
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